Home Insurance in Mount Morris, Illinois
The median home value in Mount Morris is $121,800, 36% lower than the Ogle County median.
The typical home in Mount Morris was built around 1953. About 60% of homes were built before 1960, about 25 points above Ogle County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Mount Morris is 75% single-family homes and 17% apartments in buildings with 5+ units.
61% of owner-occupied homes in Mount Morris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Mount Morris are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Mount Morris are primarily heated with natural gas.
Ogle County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Ogle County had 151 active NFIP flood policies as of September 2026. See the full Ogle County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $121,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ogle County | 151 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)